Illinois Car Insurance Rates - Auto Insurance Quotes in IL
Illinois's State motto: "State sovereignty, national union"Finding low cost auto insurance rates in Illinois has never been easier. CarInsurance.com offers the best Online Insurance Marketplace™ to help you comparison shop for the lowest rates available. We offer one convenient place to get a quote and buy a policy in 20 minutes or less. In addition, we have all the resources you need to make informed decisions about your car insurance. You get great service from the most reliable and affordable insurance companies in Illinois, so the only thing you do is shop to save money. The best rate in Illinois last year, is not the best rate in Illinois this year!
Illinois state law requires minimum Bodily Injury Liability limits of $20,000 per injured person up to a total of $40,000 per accident, and Property Damage Liability coverage with a minimum limit of $15,000. This basic coverage is often referred to as 20/40/15 coverage with 20/40 UM limits.
Illinois Coverage:
Bodily Injury Liability: $20,000/$40,000 Limit
Property Damage Liability: $15,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $20,000/$40,000 Limit
The state of Illinois follows a Tort system meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
To help protect against damages caused to you and your passengers by an uninsured driver, Illinois state law requires a minimum Uninsured/Underinsured Motorist coverage of $20,000 per person up to a total of $40,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver (depending on the state).
For low cost auto insurance in Illinois, get auto insurance from the specialists at CarInsurance.com for your city or these other cities in Illinois It is fast and easy. Save Your Time. Save Your Money.
Quotes available in all of Illinois, including:
With Illinois resident's average insurance premium at around $846 in 2003, and the national average at around $914, most Illinoisans incorrectly assume that they have no choice but to accept these rates fixed by insurance companies and state regulatory agencies. At CarInsurance.com we know there are competitive rates available for you in Illinois, and we will help you find them.
2007 had the first decrease in rates since 1999. Expect a .5% to 1% decrease in car insurance rates from 2006 insurance rates! 2008 should follow in the first half, but then rates will follow their normal cycle and increase slightly. This will force consumers to shop reliable sites like CarInsurance.com to find better rates. Sites like CarInsurance.com have facilitated the change by bringing competition directly to the consumer and by lower your costs through technology!
Visit the
U.S. Car Insurance Requirements page to see how Illinois state laws compare to other states.
As the years go by the insurance rates also change and by ignoring the rate changes in Illinois, you might be paying more than you need to. Just one year earlier, the average auto insurance premium in 2002 was about $802, that's an increase of about 5.49% in just one year! Don't waste your money paying high insurance premiums, start saving now by requesting an online quote from CarInsurance.com now.
If you call the Prairie State your home, you need to get your insurance from CarInsurance.com. We offer great rates and great service, it is so fast in some states you can get a quote and even buy your policy in 20 minutes online or over the phone. All you need to do is enter your zip code to get started, in a matter of minutes you will be looking at the most affordable rates available in Illinois.
If you need information for other states besides Illinois, select a state from the links below. CarInsurance.com offers the same low rates in all the 50 States, so you always get the lowest rates for your state. Request a quote by entering your zip code above, and find out how much you can save. Choose a different state below to get more information.